Castle Rock Insurance proudly serves the residents of Englewood, Colorado, offering personalized insurance solutions tailored to meet the unique needs of this vibrant community. Situated in Arapahoe County and extending into parts of Jefferson and Denver Counties, Englewood is a thriving city with a population of approximately 35,000 residents. Known for its excellent schools, bustling downtown, and proximity to major metro amenities, Englewood offers a blend of urban convenience and suburban charm. The city features welcoming neighborhoods such as Belleview-Brookridge, Cherry Hills, and South Broadway, spanning key ZIP codes like 80110, 80111, and 80113. Englewood provides diverse housing options, from historic homes to modern developments, making it ideal for families, professionals, and retirees alike.

Conveniently located near major roadways like U.S. Highway 285 and Interstate 25, Englewood offers easy access to downtown Denver and the surrounding metro area. Residents benefit from a variety of recreational activities with access to parks, trails, and open spaces such as Belleview Park and the South Platte River. Englewood’s historic downtown district is a hub of local shops, restaurants, and community events, creating a lively and engaging atmosphere for residents.

Whether exploring its unique neighborhoods or enjoying its prime location near Denver’s urban core, Englewood continues to be an appealing destination for those seeking a balanced lifestyle in the heart of Colorado. Castle Rock Insurance is proud to support this community with tailored, comprehensive insurance solutions.

Major Neighborhoods in Englewood

• Belleview-Brookridge: A family-friendly neighborhood with plenty of parks and recreational facilities.
• Cherry Hills: Known for its upscale homes, tree-lined streets, and access to excellent schools.
• South Broadway: A lively area filled with unique shops, dining options, and cultural attractions.

How Much Does Insurance Cost in Englewood?

Insurance costs in Englewood vary based on the type of coverage, specific policy needs, and individual circumstances. Below are average costs for popular insurance policies in 2024:

• Auto Insurance: $1,400 – $2,100 per year
  Auto insurance rates in Englewood depend on factors such as driving history, vehicle type, and coverage limits. Safe drivers and vehicles with advanced safety features often enjoy reduced premiums.
• Home Insurance: $1,500 – $2,300 per year
  Home insurance costs are influenced by the home’s value, location, and proximity to wildfire-prone or flood-prone areas. Castle Rock Insurance helps Englewood residents find affordable policies, including fire zone and flood coverage.
• Renters Insurance: $130 – $250 per year
  Renters insurance in Englewood provides coverage for personal belongings and liability protection. Premiums vary based on coverage amounts and deductible levels.
• Condominium Insurance: $300 – $550 per year
  Condominium insurance covers personal property, liability, and gaps left by HOA master policies. Costs depend on individual coverage needs, including add-ons for high-value items.
• High-Value Home Insurance: $3,500 – $6,000+ per year
  Premiums for high-value homes depend on security features, location, and customized coverage needs. Castle Rock Insurance specializes in tailored policies for luxury properties.
• Fire Zone Insurance: $300 – $800+ per year
  Fire zone insurance is essential for properties in wildfire-prone areas, with premiums influenced by risk level and location. Castle Rock Insurance offers tailored coverage to protect Englewood residents from fire hazards.
• Flood Insurance: $400 – $1,200 per year
  Flood insurance is necessary for properties in flood-prone areas, with costs based on the property’s flood risk level and desired coverage amount. Castle Rock Insurance helps Englewood residents secure essential flood protection.

Factors Impacting Insurance Rates in Englewood

Several local factors influence insurance premiums in Englewood, Colorado:

• Crime Rates: Englewood’s property crime rates are higher than the state average, impacting premiums for homeowners, renters, and auto insurance. Anti-theft devices and home security systems can help mitigate these costs.
• Weather Risks: Severe weather events, including hailstorms and heavy snow, frequently impact Englewood, leading to claims for roof and vehicle damage. Colorado’s hail-related claims exceeded $1 billion in 2023.
• Wildfire Risks: Homes near open spaces or wooded areas may face higher wildfire risks, making fire zone insurance an important consideration.
• Flood Risks: Properties near the South Platte River or other flood-prone areas may require flood insurance. Rates are influenced by FEMA flood zone designations and elevation levels.
• Proximity to Emergency Services: Homes closer to fire stations and police services typically benefit from lower premiums due to quicker response times.
• Home Features: Modern safety upgrades, such as hail-resistant roofs, fire-resistant materials, and home security systems, can reduce premiums. Older homes in historic neighborhoods may require additional coverage for maintenance-related concerns.

Insurance Discounts Available for Englewood Residents

Castle Rock Insurance offers Englewood residents various discounts to make insurance more affordable:

• Policy Bundling: Combine home, auto, and renters insurance for up to 15% savings.
• Home Security Systems: Install approved security systems to lower homeowners insurance premiums.
• Anti-Theft Devices: Equip vehicles with anti-theft features to qualify for reduced auto insurance rates.
• Mature Driver Discounts: Drivers aged 55+ may qualify for savings based on driving experience and clean records.
• Safe Driver Discounts: Maintaining a clean driving record can significantly lower auto insurance premiums.
• New Home Discounts: Modern homes with advanced safety features often qualify for lower insurance rates.
• Higher Deductibles: Opting for higher deductibles can reduce monthly premiums but requires careful consideration of out-of-pocket costs in case of claims.
• Multi-Vehicle Discounts: Insuring multiple vehicles under one policy can lead to additional savings.

Insurance Carriers Offered by Castle Rock Insurance

Castle Rock Insurance partners with trusted carriers, including Safeco, Liberty Mutual, Progressive, Nationwide, Bristol West, Berkshire Hathaway GUARD, American Modern, American Strategic, Encompass, Mendota, Neptune Flood, Auto-Owners, PURE, Stillwater, State Auto, Foremost, Hagerty, Vault, Travelers, Kemper, AIG Private Client, Chubb, Safeco, and Dairyland. With access to over 20 personal and residential carriers, Castle Rock Insurance provides tailored coverage options for Englewood residents.